You're already spending it

$50 here. $75 there. $40 somewhere else.
Why not toward your debt?

ClearPath tells you exactly what's safe to put toward debt every week — so you're out of debt months or years sooner.

10:24

Hello

Sunday, April 19

Balance: $2,972
SAFE TO DEPLOY
$942
available to deploy toward debt
INCOME
$9,392
GOING OUT
$6,322
DEBTS
5
0% toward debt-free
Interest Saved $102
Debt Eliminated $2,417
7-day free trialsee your number before you pay
Powered by Plaidread-only, bank-level security
Set up in minutesconnect your bank, done
Personal AI advisorbuilt on your numbers
Why the balance lies

Your balance shows one number. Most of it's already spoken for.

Your account shows one number — but a chunk of it is already committed, and you can't tell which chunk. So every dollar feels risky, and the debt never moves.

Upcoming this week
RentFri −$1,200
Phone billThu −$430
Paycheckpending +$2,800
It's already claimed

Rent clears Friday. The phone bill hits Thursday. The paycheck you're counting on hasn't landed. It's committed — it just hasn't left your balance yet.

Balance
$2,972
? which part is safe to spend?
You can't tell which is which

Looking at one number, your eyes can't separate what's claimed from what's actually free. So every dollar feels risky to touch.

Credit card $8,400
At minimum-payment speed: 6+ years to clear
So the debt just sits

Afraid you'll need it next week, you send $50. Or nothing. The balance crawls down while you wait for a certainty that never comes.

And the app you already have? It watched the whole thing happen. It can tell you where the money went — never what it could have done.

ClearPath is the app that tells you. It separates claimed from free.

It tracks everything coming in and everything already owed — including what hasn't hit yet — sets the claimed money aside, and shows you only what's genuinely left. That leftover is what's safe to throw at your debt, and it stays current as your money moves.

Powered by Rolling Surplus Detection
Your balance $2,972
Claimed · $2,030 Free · $942
Rent−$1,200
Bills−$430
Groceries til payday−$300
Emergency floor−$100
Safe to deploy $942
ClearPath surplus deploy card
Why it works

Manageable payments, every week.

When you know what's safe, the fear's gone — and because your bills and buffer come first, sending it is never a gamble. Small, consistent payments compound: every safe dollar is extra principal that pulls your payoff date forward.

Week 1
$120
Week 2
$340
Week 3
$210
Week 4
$0
Week 5
$942
Week 6
$190
Week 7
$420
Week 8
$280
Payment receiptWeek 2
Sent to Credit card$340.00
Future interest deleted$142.40
Debt-free date moved up41 days
Lifetime interest destroyed$1,204.88

Every deploy comes back as a receipt — interest deleted, days cut off your debt-free date. Proof it's working, every single time. Savings shown vs. paying only the minimum.

Deployed
$2,502
Above and beyond your minimums
Payoff moved
11 months
Closer than when you started
Interest avoided
$2,840
Money you keep, not the bank
What protects you

The safety net under every number.

Before ClearPath shows you a number, it's already set aside what's real and what could go wrong. Here's what stands guard.

Live balance · synced
$2,972
Chase •••• 4291 ↻ just now
Every number built on what's actually there
Built on what's real

Pulled live from your bank through Plaid and kept current — so your number's built on what's actually there, not a stale guess.

Emergency floor $500
Always kept in your account. Your surplus is only ever counted above it.
Emergency Floor

A cushion ClearPath never touches — set $500, $1,000, whatever feels safe. Your surplus is only ever counted above it.

Electric bill reserved
Usual amount$90
+ spike buffer$20
Reserved before surplus$110
Bill Spike Buffer

ClearPath pads every bill before counting your surplus — so when a month runs hot, it's already absorbed. No nasty surprises.

And the biggest guard of all: ClearPath is read-only. It can see your accounts — it can never touch them. Every move is yours to make.

How we're different

You don't need another budgeting app.

Budgeting apps look backward. They total where your money went last month and what you could've saved. ClearPath looks forward. Every week, it shows you what's safe to put toward your debt right now, while you can still act on it.

ClearPath Looks forward
This week
Safe to deploy $942 →

The exact move to make — right now, while you can.

Budgeting app Looks backward
Last month
Groceries$612
Dining out$280
Shopping$195

A report on where it already went.

And those "safe to spend" apps? Same math, opposite direction. They point the number at more spending. ClearPath points it at your debt.

You can see the money.
Now see what's safe to deploy.

Next month you can open your app to the same old regret — or open ClearPath to a number you can act on.

Be the first to know when we launch · no spam, ever